Costa Rica Insurance Jewellery Basic Need 38

 Costa Rica Insurance Jewellery Basic Need.

By Aamir Manan

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Health and Medical Insurance Costa Rica (Also see this page)

INS handles most types of insurance, but there are several international insurance carriers that offer far more robust health insurance policies with lifetime limits of $5 million and they will pay no matter what country you are in when the expenses are incurred.  Some even have reduced premiums if you specify that expenses will ONLY be incurred in one country or in Central America.  One of these is BUPA (this is NOT an endorsement and is placed here only as an example) but there are many others.

Note:  While you cannot buy health insurance in Costa Rica from any other company than INS or CCSS, these policies are perfectly legal to purchase and many have payment arrangements already in place with several private hospitals in Costa Rica.

This will change in the coming years after the passage of the Central American Free Trade Agreement which ends these monopolies.

Do some research on this by Internet because you DO have options!

There two major plans available for health insurance for purchase here in Costa Rica.

INS (Instituto Nacional de Seguros)

INS offers medical insurance. The group plan offered by the Association of Residents of Costa Rica would save about 10% of the cost of the premium. There is a limit of about $17,500 per year, and it does not cover pre-existing conditions or check ups. Dental work, eyeglasses and cosmetic surgery are only paid if they are needed as the result of an accident. Claims are based on a table rating types of treatment administered. Costs vary with age and sex. This plan pays 70% of prescription drugs, examinations, doctor visits, hospitalization and treatment and 100% of surgeons’ and anesthetists’ fees. The patient is free to choose the doctor. Approximate annual premiums for men up to age 59 are $550, between ages 60 and 75 $1020. Dependants under 19 are about $245 per year. Women aged 19 to 59 would pay about $885 and between 60 and 75 $1,305.

NOTE: Currently, the lifetime benefit is only $17,000. This is very low, but $17,000 here spends a lot more than in the USA.  Currently, intensive care in a private hospital runs about $3,000 per day.  At that rate, you can chew through your benefit pretty quickly.  There are several companies worldwide that sell health insurance policies that cover you anywhere in the world and are perfectly legal in Costa Rica.  Most have a $2 million limit and are not much more expensive than INS.

CCSS